Apply for a Personal Loan
Complete the form below and receive personalized offers from NCR-registered lenders.
Choose your preferred language:
Loan Application Form
This is where your affiliate network's loan application form will be embedded. The form should collect: personal details, employment information, income details, loan amount requested, and loan purpose.
Form should include:
- •Full name and South African ID number
- •Contact details (mobile, email, physical address)
- •Employment status and employer details
- •Monthly income and expenses
- •Loan amount requested (R1,000 - R250,000)
- •Loan purpose and preferred term
- •Bank account details for disbursement
- •Consent for credit checks and marketing
Developer Note: Replace this placeholder with your actual affiliate form embed code. Ensure compliance with NCR, NCA, and POPIA regulations.
Why Apply Through LoansAI?
Safe & Secure
Your data is encrypted with bank-level SSL technology and protected in compliance with POPIA.
Fast & Simple
Complete the form in 5 minutes and receive personalized offers quickly.
NCR-Registered Lenders
We only work with lenders registered and supervised by the National Credit Regulator.
What Happens After You Apply?
Instant Processing
Your application is automatically sent to lenders in our network that match your profile.
Assessment & Offers
Lenders evaluate your application and send you personalized offers within 24-48 hours. You'll be contacted directly by lenders.
Compare & Choose
Review all offers carefully. Compare interest rates, fees, and terms. Choose the offer that best fits your needs and budget.
Complete & Receive Funds
Complete any additional verification with your chosen lender. Once approved, funds are deposited directly into your South African bank account within 24-48 hours.
Important Information Before Applying
✓ Eligibility Requirements
- • South African citizen or permanent resident
- • At least 18 years old
- • Regular monthly income (employed or self-employed)
- • Valid South African bank account
- • Contactable by phone and email
⚠️ Responsible Borrowing
- • Only borrow what you can afford to repay
- • Consider all fees and interest charges
- • Late payments damage your credit score
- • Read all terms and conditions carefully
- • Seek financial advice if unsure
📋 Important Disclosure & Representative Example
Affiliate Disclosure:
LoansAI is a free comparison service. We may receive compensation from lenders when you click on links or complete applications through our platform. This compensation helps us maintain our service at no cost to you. Our editorial content and loan comparisons remain independent and unbiased. We are committed to providing accurate information to help you make informed financial decisions.
Representative Example:
If you borrow R10,000 over 36 months at an annual interest rate of 24%, your monthly repayment would be approximately R393. The total amount repayable would be R14,148, which includes R4,148 in interest charges.
This is a representative example only. Your actual interest rate and monthly repayment will depend on your personal circumstances, credit history, loan amount, and loan term. Rates typically range from 10% to 28% per annum for personal loans in South Africa.
Important Information:
- All lenders must be registered with the National Credit Regulator (NCR)
- Loan terms typically range from 6 to 60 months
- Loan amounts from R1,000 to R250,000 depending on your affordability
- Credit checks will be conducted as part of the application process
- Late payments may incur penalties and damage your credit score
- Borrowing more than you can afford can lead to financial difficulties
⚠️ Responsible Borrowing Warning:
Before applying for any loan, carefully consider whether you can afford the monthly repayments. Borrowing money costs money. Failure to make repayments on time will negatively impact your credit record with credit bureaus and may result in legal action and additional costs. Only borrow what you can comfortably afford to repay.
This service complies with the National Credit Act (NCA) and the Protection of Personal Information Act (POPIA). Your personal information is protected and will only be shared with NCR-registered lenders with your consent.
Not ready to apply yet? Explore more information first.